Credit union · NCUA insured
XCEL Federal Credit Union CD Rates
XCEL Federal Credit Union’s best CD rate is 4.05% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How XCEL Federal Credit Union’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where XCEL Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
XCEL Federal Credit Union
4.05%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $405
Certificates
Top rate
Liberty Bank of New Jersey
5.00%APY
- Term
- 4 months
- Minimum
- $1,000
- Earns on $10,000
- $164
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
XCEL Federal Credit Union CD score
86
CD score
Higher than 73% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo4.05%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo3.30%
- QualifiedQualified4.05%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where XCEL Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates
Up to 4.05%APY · 9 terms
Minimum balance to open account and obtain the APY is $500. Rates are subject to change without notice. Fees may reduce earnings. Early withdrawals are subject to penalties. Dividends compounded monthly, credited monthly. Choose from a wide range of terms, from 3 months to 5 years. Membership eligibility required. Special promotional certificate products (7-Month, 12-Month, 18-Month) are not eligible for IRA certificates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividends compounded monthly, credited monthly. Early withdrawal penalties apply | 0.50% | $12 |
| 6 monthsDividends compounded monthly, credited monthly. Early withdrawal penalties apply | 3.00% | $149 |
| 7 monthsUpon maturity, the 7-month certificate will automatically roll into a 6-month Share Certificate at the prevailing rate unless alternate instructions are provided. Not eligible for IRA certificates | 3.50% | $203 |
| 12 monthsUpon maturity, the 12-month certificate will automatically roll into a 12-month Share Certificate at the prevailing rate unless alternate instructions are provided. Membership eligibility required. Not eligible for IRA certificates | 4.05% | $405 |
| 18 monthsThis limited time offer is for new money only (funds not already on deposit with XCEL nor have been on deposit in any XCEL account over the prior 30 days). Upon maturity, the 18-month certificate will automatically roll into a 12-month Share Certificate at the prevailing rate unless alternate instructions are provided. Membership eligibility required. Not eligible for IRA certificates | 4.00% | $606 |
| 24 monthsDividends compounded monthly, credited monthly. Early withdrawal penalties apply | 3.50% | $712 |
| 36 monthsDividends compounded monthly, credited monthly. Early withdrawal penalties apply | 3.30% | $1,023 |
| 48 monthsDividends compounded monthly, credited monthly. Early withdrawal penalties apply | 3.30% | $1,387 |
| 60 monthsDividends compounded monthly, credited monthly. Early withdrawal penalties apply | 3.30% | $1,763 |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
IRA Certificates
Up to 3.50%APY · 6 terms
Minimum balance to open account and obtain the APY is $500. Rates are subject to change without notice. Fees may reduce earnings. Early withdrawals are subject to penalties. Dividends compounded monthly, credited monthly. Special promotional certificate products (7-Month, 12-Month, 18-Month) are not eligible for IRA certificates. Available in terms ranging from 3 months to 5 years. Membership eligibility required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividends compounded monthly, credited monthly. Early withdrawal penalties apply | 0.50% | $12 |
| 6 monthsDividends compounded monthly, credited monthly. Early withdrawal penalties apply | 3.00% | $149 |
| 24 monthsDividends compounded monthly, credited monthly. Early withdrawal penalties apply | 3.50% | $712 |
| 36 monthsDividends compounded monthly, credited monthly. Early withdrawal penalties apply | 3.30% | $1,023 |
| 48 monthsDividends compounded monthly, credited monthly. Early withdrawal penalties apply | 3.30% | $1,387 |
| 60 monthsDividends compounded monthly, credited monthly. Early withdrawal penalties apply | 3.30% | $1,763 |
Sources (2)
All captured Oct 22, 2026
Who can join XCEL Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to select companies and organizations in New Jersey and New York.
Family and household
- Immediate family members are eligible to join.
Cost to join
- There are no membership fees.
Membership information collected October 5, 2026.